Fairmont, WV · Charter 18142
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
1
Profitability
92
Liquidity
84
Efficiency
96
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fairmont, WV · Charter 18142
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | -1.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.54% | 1.46% | +146 bps | |
| Return on Equity | 2.78% | -11.25% | -0.01% | 0.00% | 0.00% | -0.03% | 5.23% | 13.49% | +1,349 bps | |
| Net Interest Margin | 4.67% | 5.02% | 4.74% | 4.85% | 4.45% | 4.63% | 5.72% | 5.93% | +108 bps | |
| Efficiency Ratio | 84.07% | 74.18% | 79.77% | 77.27% | 81.49% | 78.99% | 41.92% | 51.85% | -2,542 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.34% | 6.23% | 1.11% | 2.54% | -0.85% | 4.15% | 1.87% | -1.50% | -403 bps | |
| Loan Growth (YoY) | 14.89% | -2.70% | -8.58% | -9.46% | -9.48% | -5.14% | -9.66% | 2.75% | +1,221 bps | |
| Share Growth (YoY) | 12.92% | 8.94% | 2.92% | 4.53% | 0.89% | 4.65% | 1.98% | -2.37% | -690 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.12% | 3.48% | 9.33% | 4.61% | 3.24% | 12.89% | 9.82% | 9.25% | +464 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.36% | 2.72% | 3.01% | 3.70% | 3.82% | 4.55% | 5.81% | 5.42% | +171 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.68% | 10.37% | 10.32% | 9.97% | 10.10% | 9.95% | 10.26% | 10.86% | +88 bps | |
| Net Worth / Assets | 11.68% | 10.37% | 10.32% | 9.97% | 10.10% | 9.95% | 10.26% | 10.86% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.34% | 74.31% | 76.14% | 69.38% | 70.29% | 67.36% | 67.45% | 73.02% | +364 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fairmont, WV · Charter 18142 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.45%
Rank 270 of 1,683
Net Interest Margin
5.93%
Rank 44 of 1,683
Efficiency Ratio
51.22%
Rank 71 of 1,682
Equity / Assets
10.85%
Rank 1,187 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.35% | 0.74% | 1.18% | Beats 84% | 270 / 1,683 | ||
| Return on Equity | 13.33% | 2.67% | 5.89% | 8.74% | Beats 95% | 82 / 1,681 | ||
| Net Interest Margin | 5.93% | 3.31% | 3.82% | 4.32% | Beats 97% | 44 / 1,683 | ||
| Efficiency Ratio | 51.22% | 68.91% | 78.20% | 86.93% | Beats 96% | 71 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 9.24% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,670 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.85% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,187 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.85% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,187 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.01% | 52.61% | 69.38% | 83.50% | 57th pctl | 726 / 1,683 | ||
| Loans / Assets | 64.93% | 44.71% | 59.18% | 70.72% | 63rd pctl | 631 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||